中兴商业: 对外担保管理制度（2025年7月）

General Principles - The company establishes a management system for external guarantees to regulate its guarantee behavior and prevent risks, ensuring asset safety in accordance with relevant laws and regulations [1] - External guarantees refer to the company providing guarantees for debts owed by third parties, including guarantees for its controlling subsidiaries [1] Decision-Making Authority - External guarantee matters must be reviewed by the board of directors or the shareholders' meeting, requiring a majority approval from attending directors and a two-thirds majority for certain cases [2][3] - Guarantees exceeding 10% of the company's latest audited net assets or 50% of total guarantees require shareholders' meeting approval [3] Application and Review Process - The finance department is responsible for receiving and reviewing guarantee applications, which must be submitted at least 30 working days in advance [4][5] - The company must assess the creditworthiness of the guaranteed party and ensure compliance with legal and policy requirements before granting guarantees [4][5] Daily Management of Guarantees - The finance department manages the daily operations of external guarantees, ensuring proper documentation and compliance with approval processes [6][7] - The company must monitor the financial status of guaranteed parties and take necessary actions if their conditions deteriorate [6][7] Information Disclosure - The company is obligated to disclose information regarding external guarantees in accordance with stock exchange rules and company regulations [8] - Any department involved in guarantee matters must report to the board secretary to ensure timely information disclosure [8] Responsibilities of Related Personnel - The board of directors has the authority to impose penalties on personnel responsible for unauthorized guarantees that harm the company's interests [9][10] - Personnel who engage in fraudulent activities or negligence leading to losses for the company may face disciplinary actions and financial liability [10]